Kreissparkasse Ostalb Open Banking & API Access

Reaching the transaction and balance data behind your Kreissparkasse Ostalb accounts usually means wrestling with certificates, sandboxes and developer registrations. open-banking.io removes all of that. It is a zero-knowledge, certificate-free bridge to 2,600+ EU and UK banks, so a Kreissparkasse Ostalb account (BIC OASPDE6AXXX) becomes readable through one dashboard — and, if you want it, one small API surface. Your data is decrypted on your own device with a key only you hold; the service never sees your statements in the clear.

How to connect Kreissparkasse Ostalb

Connecting happens entirely inside the open-banking.io dashboard — there is no endpoint to call and no key to paste.

  1. Sign up for open-banking.io and open the web dashboard.
  2. Set an encryption passphrase. Your key pair is generated locally on your device; open-banking.io only ever holds your public key.
  3. In the dashboard, choose Kreissparkasse Ostalb and select the account type you need — business or personal.
  4. You are redirected to Kreissparkasse Ostalb's own secure login to approve access under PSD2. You authenticate directly with the bank; your credentials never touch open-banking.io.
  5. Once you approve, your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

Connecting is all you need for the dashboard. Developers who want the data programmatically can take one optional extra step. On the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Note the CLI and SDK only read and sync connections you already made in the dashboard — the API key alone returns ciphertext until your private key unlocks it.

At roughly EUR 3/month, you get certificate-free access without registering as a PSD2 provider.

Is my Kreissparkasse Ostalb data private?

Yes. open-banking.io is zero-knowledge: data is encrypted to your public key and decrypted only on your device. The servers cannot read it.

Do I need a certificate or developer agreement?

No. There are no eIDAS certificates and no bank registration. You approve access directly on Kreissparkasse Ostalb's consent screen.

Can I connect a business account?

Yes. Both business and personal Kreissparkasse Ostalb accounts are supported, each with consent valid for up to 180 days.

Start at open-banking.io.